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Professional Insurance for Everyone

Whether you start a business or decide to be a freelancer, a professional insurance is a must. For the reason that you have a client to work for or provide service, it is important that you protect both yours and their interest. In starting a small business or working on a one-time project for a client, we sometimes overlook the significance of obtaining a policy because first of all, it is not that heavy compared to high-profiled companies and businessmen. And because we think we have an agreement with our clients, the possibility for making faults is unnoticed.

If you are looking for a corporate or personal insurance provider, you should consider Allegiance Associates. They cover a wide range of professional insurance in Singapore. You should check out their site here: https://www.allegiance.com.sg

Vethan Law Firm has published an article that will tell us about the insurance for independent contractors.

What Kinds of Insurance Does a Small Business Need for 1099 Independent Contractors?

The so-called “gig economy” has swelled the numbers of independent contractors ever since the Great Recession. While construction and other dangerous industries already address the question of insurance for their contractors, other industries may need to take a look at the potential insurance needs for their 1099 workers.

Accidents, injuries, and mistakes can happen in any field. Whether you need insurance depends on the amount of risk you feel comfortable taking and the type of work involved.

In some states and industries, there are statutory requirements for insurance coverage for everyone involved, such as construction. Inherently dangerous work environments may result in these sorts of legal requirements between the employer-contractor relationship.

In this case, it is most appropriate for both contractors and employers to obtain general liability insurance.

Insurance coverage is also essential in case you or the independent contractor face a lawsuit. Insurance pays lawyers’ fees and damages if the suit is over work performed or injuries sustained. Contrary to popular opinion, independent contractors have the same legal obligations as big business. Clients and customers can sue for several reasons; general liability can provide funds for legal defense. Find out more here

Being a freelancer and getting hired to gigs, big or small, will carry the risk of putting your reputation at stake. On top of it, you have no company to cover for you so obtaining a professional liability insurance policy that works best for you is crucial. In purchasing a policy, you should consider how much of your skills and instruments are getting used for a job to get one that fits the field of work that you do. No matter if you are a writer, web developer, or a private tutor; you need to get yourself covered.

Many questions are asked and FITCO has provided an article to answer one question for one kind of a freelance job but basically, can be applied in general.

I’m a Private Music Teacher, Do I Need Insurance?

Do you provide professional musical instruction, education or training for students learning to play musical instruments? If so, you need music instructor insurance.

Whether it’s string or wind instruments, percussion, keys, voice or any other professional musical instruction, FITCO is the perfect fit for your business.

FITCO was founded on the premise that instructors of all types deserve simple and easy access to broad insurance coverage.

With just a few clicks, solo instructors can get the peace of mind that comes with over $1,000,000 of general liability (GL) and personal and advertising injury coverage. Additionally, you’ll be covered with sexual abuse and molestation, professional liability (E&O), products and completed operations, damage to rented premises and medical payments coverage. Find out what plan could work for you here

If putting up your own business can expose you to many risks, imagine how much more if you do your business with another company. It is not only your reputation that is at stake, but also your assets and it could materially drain you in one shot if you are not covered with insurance policy. Even the people we consult for this matter have all have their own policies and are protected from getting a lawsuit in case a misunderstanding occurs.

In the last article, Insurance Quote agents have answered if a consultant should get covered or not.

Do Consultants Need Professional Liability Insurance?

Consultants set the bar for other businesses and should lead by example, regardless of what their focus is. Consultants are hired to help companies be the best they can be, and if you don’t show that you’re making your business the best it can be, what does that say?

There’s no way around it — any company needs professional liability insurance. Your business, future, and personal assets aren’t protected without it. It’s one of the most important business investments you’ll make, and although you may see it as an extra expense, it’s a small expense compared to what it could cost you without it. Read more here

Getting yourself threaten of getting sued for a mistake that you did not intend can be prevented if you have an insurance policy that makes it so important for everyone who provide services privately. You do not only protect your reputation but basically, everything you have. You will be able to defend yourself of the professional accusations and seek legal counsel without going bankrupt in one shot.

If you are a starter and wondering how professional insurance works, look for a counselor and take note of the things you must remember. Professional insurance policies do not work one way and it will depend on what kind of business or profession you have. The cost can vary according to many aspects you need to get covered. There is no point to put off having insurance and the best time to start is today. We should not overlook the importance of this matter because if not in the present, purchasing insurance policy can save us big time in the future.

How Iris Recognition Could Assist Law Enforcement In Discharging Their Duties?

Contrary to popular belief, the means to distinguish people based on their irises was existent for quite a few years now. However, with biometric security applications receiving a lot of attention of late, technological companies started their attempts to make it economical and viable for everyday use. With technology making progress in leaps and bounds, long range iris scanning is now finally a reality.

If you are looking for an Iris Recognition System for your company, you should consider ATT Systems Group Iris Recognition System. They have the expertise and know-how to assist you on your technical needs and implementing the systems. You should check them out.

While most people might find this farfetched, it’s only because they did not know that it was in works for quite a few years now. The US military has already been using iris recognition systems for identification purposes in Afghanistan from 2004 itself. With smartphones and tablets sporting biometric security measures now, iris recognition systems are bound to make an entry into everyday life sooner than later. Although iris recognition on its own is quite useful, there are a few applications wherein long distance verification is desired. This is particularly useful for law enforcement and counterterrorism personnel in discharging their duties. In this article we shall discuss, how iris recognition could assist law enforcement in discharging their duties.

Roadblocks to covert use of iris recognition
Human rights and civil liberties groups are expressly against the use of long range iris recognition systems in any capacity. Their concerns are about its potential misuse by the governments for their own vested interests. While this threat is very real, the unique benefits that long range iris recognition can offer cannot be summarily rejected. Intelligence proponents hope that people will eventually see that, the amount of good that long range iris recognition can do for them is way higher than its potential for misuse. Amendments which incorporate strict legal provisions governing the use of long range iris recognition, may be able to alleviate some of these concerns to an extent.

Potential usage scenarios
The potential applications for long range iris recognition technology are virtually limitless. It can massively restrict human trafficking and smuggling of criminals or terrorists to safe havens. Law enforcement officials can easily track fugitives, thereby ensuring greater security of the general public. Even though criminals can use long range iris scanning for their own illicit purposes, securing the databases with which iris identification can be achieved by stronger algorithms can mitigate this to some extent. Additionally, governments will have to accord people greater transparency to ensure that, their own agencies do not misuse this beneficial technology for their own selfish gains.

Do you know what steps you should take if the security system, which keeps your premises safe, has been vandalized? Firstly, you should stop panicking unnecessarily. However, you should also take certain immediate steps so that the damages can be corrected. The aim of this discussion is to look at those actions that you need to take when a security system gets vandalized.

If you are keen in purchasing a speed violation detection system, you should consider ATT Systems Speed Violation Detection Singapore. Whether you are a consumer or a traffic regulator, this device is customized to fit both your vehicle and as a detections system. If you are keen to avoid or reduce traffic accidents, you should check this out at ATT Systems site above.

1. Inform the law enforcement agency
To start with, you should intimate your law enforcement agency the moment you find your security system has been vandalized. Vandalism carried out in any form to a property is a severe offense and may put a person or people at risk. The cops may want to check the security footage to gather proof against the offender(s) involved. There is a possibility that one of the surveillance cameras captured a culprit’s footage and can come handy to initiate a legal course of actions against them. Although the criminal could not be caught immediately, the police can at least get some clues to pursue the vandals after getting your report.

2. Detail and extent of damage should be reported
You should ensure that the security camera system that got damaged is immediately repaired so that your business or home is secure. After all, vandalism does not necessarily mean that your CCTV system has been complexly destroyed. The good news is vandalism in all form is typically covered by insurance.

If the vandalism caused to your CCTV camera was by graffiti, removing it can be done by applying some solution for lens cleaning. Alternatively, nail polish or white vinegar can be also used to clean the lens of the camera.

3. Ensure that further incidents of vandalism are avoided
There are certain scenarios when avoiding vandalism of security cameras is not an impossible task. At least, the task can be made tougher for the offenders. There are some people who may want to opt for investing in camera housings that are vandal-proof. These domes are powerful enough to fight against the common practices of vandals. Some of these are even manufactured as bulletproof.

A second technique to safeguard security camera systems is by putting fake systems in obvious locations. The fake ones can behave as shields and thus protect the real cameras from getting harmed when they are not easily spotted. If you hide the actual cameras, it is possible to save a lot of maintenance expenses.

There are many things expected of a professional, such as conducting business respectfully and at high standards. Professionals also need to exercise good judgement. However, no human is infallible, and even those who are very good at their jobs are sometimes prone to making mistakes, big or small. In the event of any error made or inadequate service provided to a client, a negligence claim may be brought against the professional. In such cases, a professional will be required to bear heavy costs to cover legal expenses as well as compensations to be made to the client(s). This is a liability to any professional individual or firm, but one that can, thankfully, be insured, with a professional indemnity insurance (PII), also known as ‘professional liability insurance’ (PLI).

Who needs PII?

The following groups of professionals can avail PII:

Doctors and any other professions in the health and medical field, including fitness instructors,

Hospitals and nursing homes,

Engineers, builders, architects, contractors,

Designers – interior designers, graphic designers, web designers,

Accountants, auditors, management and financial consultants,

Lawyers and others in the legal field,

IT professionals,

Teachers and tutors, and

Employment agencies.

PII is not mandatory, but many industry sectors require professionals to have it, such as accountancy, surveying and engineering. Moreover, professionals who work on a contractual basis will need PII in order for their bids to even be considered.

What does PII cover?

There are many situations that may lead to a negligence claim being made against a professional or an organisation of professionals, such as:

Professional indemnity insurance is considered as the main risk management instrument for both individual professionals as well as companies and organisations. No matter how good the relationships with clients may be, a sudden unintentional mistake could sour the relations and put your own financial position at risk. Getting insurance for your professional work is a wise move to ensure you and/or your organisation’s financial safety.

All the employers have the responsibility to take the right care and assurance in providing a safe work environment. In fact, they are obligated to do this legally. Unfortunately, accidents do happen. When it happens, all the injured/disabled/impaired workers need to get workmen compensation as coverage to the suffering and pain.

What it covers?

All those injuries an employee suffers and sustains at the respective workplace premises/any other place while the employee is working in the scope of the duties that need to be performed as the course and nature of the job are covered. The employer needs to have an insurance allocated to settle the claims of worker’s compensation. For instance, if a worker meets with an accident and loses their life, then it is checked if the worker is travelling to meet the job responsibilities, secondly – is it a company’s vehicle or the worker’s own mode of transport, and then the claim is settled accordingly. In case of failure of above two – where the worker is travelling not on a business purpose and not in any transport provided by the company, then the claim is denied.

In addition to that, a few un-forecasted injuries that take place at the workplace due to any social agitations, violence, natural disasters or attacks done by anti-social bodies like terrorists are considered and covered. The insurance also covers a few kinds of illnesses that are caused due to working in an environment provided by the company. They are termed as occupational diseases. For instance, if the worker is working in a chemical manufacturing company, then certainly the workers are exposed to many toxic substances that can cause a burning sensation in eyes, respiratory problems or other ailments on long run. These diseases are covered.

Benefits –

All the benefits depend on if the disability happened is partial or total and if the disability is permanent or can be recovered within a certain time period. Any impairment is usually considered as a reduction or decrement in the capability to earn. So, benefits help the worker to sustain their life amidst the sufferings monetarily. Though the benefit received is quite a small amount, it can come of any help to the injured person and their family. Many states consider that the compensation or benefits need to be paid only to the period where the worker suffers the disability. Other organizations restrict that to a maximum number of days/weeks, especially when the doctor certifies the disability as temporary. The benefit is calculated as a certain percentage of the workers wage, while a few companies add some amount to that.

If you are planning to use your vessel for transportation or commercial purposes, then it is mandatory for you as the owner of your ship or yacht to procure marine insurance. The purpose of a commercial or transportation vessel could be to carry cargo, workers or passengers across the waters of your country’s geographical boundaries. Not only is it vital to procure a good marine insurance for a vessel, it also makes sense to procure the most apt insurance coverage, which is capable of providing coverage to you for different types of risks.

Risks for a vessel in water

When your boat is out in the sea, the risks can be severe and the owners of the boats or ships can undergo a lot of liabilities, which can financially cripple them. Moreover, the seamen and the passengers can face high risks of death or injuries due to the vessel getting damaged or adverse weather conditions. The sea may be temperamental, and even tough to foresee. Thus, it is highly imperative for you as a boat owner to procure an appropriate marine insurance.

When you procure a good insurance coverage, your cargo ship can enjoy limited liability as far as the loss or damage of costly goods that are carried by it. A ship that transports goods typically travels long distances and so there is a high degree of risk for damage or loss of goods it is carrying. When you procure a good marine insurance policy, it can ensure the protection of vessel operatives and limited liability if the cargo gets damaged while in transit.

Since the marine industry business is regarded as a complex industry, it is highly recommended that as a vessel owner, you should go in for professional assistance from a professional consultant or an experienced yacht broker, which specializes in helping owners procure the best marine insurance coverage possible.

A comprehensive marine insurance policy is important for protecting the passengers, crew, onboard equipment, cargo, and a vessel from harm. Such insurance will also make sure that required compensations exist for the grieved parties where cargo, crew or passengers get affected while in transit.

The key benefit of obtaining an appropriate and comprehensive marine insurance policy is to make sure there are limited liabilities and complete protection against the following things:

Legal and labor costs

Risks of pollution

Hijack or theft of vessel

Robbery of onboard goods

Accidents while the vessel is in convoy like overturning or sinking

Mistakes committed during transportation like inappropriate handling

Complications caused due to differences in temperature

Collision

Compensation for death, injury, and illness of passengers traveling in a vessel

Contrary to the other types of transport vehicles, transport in the marine sector is vulnerable to a greater number of risks, which may not be entirely controllable by a vessel operator. So, it is necessary that all yacht and ship owners have proper marine insurance in place.

Product liability is the unsaid undertaking that a seller agrees to compensate for the damages and injuries caused by defective or substandard merchandise sold by him/her. If the product post-purchase brings harm to the consumer, a case of Cause of Action can be filed against the manufacturer, designer, furnisher or seller of the same. Most damages may be negligible but a few can be fatal.

In order to claim a case of product liability, the existence of the discrepancy must be proved, followed by the failure of abiding by the set standards which resulted in the damages the customer bore. That, which can be termed as negligence, is specific to the case in question. There is no golden rule to identify the case of negligence.

An example of negligence is when care is demanded of but not exercised and leads to personal damage. Also those events that can lead to the death of the consumer are a grievous negligence. If negligence is minimal and does not cause any permanent harm, it is excusable.

Claims can be made by only those who are bound by a contract and if the supplier is guilty of a breach. In these cases, there is strict liability and proof of breach of contract.

Two Acts, namely the Sale of Goods Act and Supply of Goods Act, govern the standard conditions of contractual sale. If the buyer at the time of purchase finds the goods satisfactory and similar to the sample described, the seller is not liable.

The consumer rights, on the other hand, are regulated by the Unfair Contract Terms Act, which prevents restriction or exclusion of the implied goods conformity against the sample description or quality.

Consumer rights protection statutes:

Section 4 of the Consumer Protection (Fair Trading) Act lists out the specific supplier behavior with the consumer which can attract liability claims, of which false claims is an example. There is an additional second Schedule that lists out unfair practices. A common unfair practice is to type out important clauses in fine print to conceal the importance or mislead the customer.

We at Allegiance can clear out any preconceived notions held on product liability; contact our experts today for further clarifications.

Following Bridget’s contributions as a spokesperson and content creator for the “Fiesta Movement” and the House season 6 red carpet host, it comes as no surprise that Ford would call on her once again.

Confluence Creative Media Co-founder Joshua Johnson aka Joshywashington worked closely with Matadornetwork.com to create and launch MatadorTV.com. For the last 2 months MatadorTV has aggregated and hosted some of the best travel media on the web. Joshua Hosts the MatTV vlog and works to make the latest website for the Matador Travel Network as successful as the other 13 websites.